Collecting Unemployment: Who and how?

In this economy, many people are having their first experience with unemployment. If you have questions about unemployment compensation - who is eligible and how to apply - there are in-person and online resources to help you get the answers. The short answer is: When in doubt, apply!

By Brett Pyrtle, Star Tribune Sales and Marketing

Last update: October 19, 2009 - 2:58 PM

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In recent months, thousands of people have found themselves unemployed after years or even decades on the job. "They haven't been concerned about the unemployment situation," says Louis Huether, program manager for Dislocated Worker Programs at Resource, Inc. "They don't have the faintest idea who to call or what the procedure or process is" for collecting unemployment compensation.

Eligibility depends on length of employment and reasons for termination. "The easiest case is a layoff," Huether says. Questions arise when an employee is separated from work for other reasons. "Get the reasons in writing if at all possible," Huether says.

When In Doubt, Apply

Even employees who have chosen to leave their jobs - when a spouse relocates or because the job was unsuitable for their skills - may qualify. Self-employed individuals may be eligible if they can document business failure due to market loss. People who worked part-time, or people who are still employed but had their hours reduced, may be able to receive partial compensation.

The only way to know for sure whether you'll be awarded unemployment is to apply for it, Huether says. Applicants can apply online at www.uimn.org or by visiting a Minnesota Workforce Center. "Get it right the first time," Huether advises, either by following the online advice and FAQs or by getting help at a Workforce Center. (For a list of locations, visit www.mnwfc.org)

Some companies "have a policy of fighting every claim," Huether says, because the employer's premiums can rise based on the number of claims against the account. However, even if an initial claim is denied, the employee can appeal and may still be granted compensation.

Ready To Work

Being available for work is a key to eligibility. Full-time students and people receiving Social Security or disability benefits may not be eligible. Recipients need to demonstrate that they are looking for work in their field within a reasonable commute. Extensions may require looking for work in a different field.

According to Bob Skladany, the chief career counselor for RetirementJobs.com, applicants need employer information and pay stubs, work and earnings history for two years, Social Security card or number, and any paperwork received from or sent to the employer regarding separation from employment.

"I would always recommend that you apply," Huether concludes. "It could be a pleasant surprise."

For the complete article by Bob Sklady,

visit www.aarp.org/money/work/articles/unemployment_compensation.html

Laura French is principal of Words Into Action, Inc., and is a freelance writer from Roseville.

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